17-Manor ISD PvC 9.2023-12.2025.xlsx

This is a loss ratio run report for Manor Independent School District's self-funded medical and pharmacy insurance plan covering the 28-month period from September 2023 through December 2025. The report provides monthly metrics for the district's health plan administration, which supports the concurrent 2026 Medical RFP seeking proposals for self-funded medical and prescription drug plans, fully insured medical and prescription drug plans, and stop loss products.

The data reveals significant claims activity and performance trends across the contract term. Total medical and pharmacy premiums collected during this period reached $17.67 million, with total paid claims of $22.58 million (comprising $14.59 million in medical claims and $7.93 million in pharmacy claims), resulting in an aggregate loss ratio of 127.8 percent. Monthly loss ratios ranged from a low of 36.0 percent in September 2023 to a high of 200.4 percent in December 2023, with notable spikes also occurring in July 2025 (192.1 percent) and December 2024 (190.2 percent), indicating seasonal claims volatility and sustained claims pressure exceeding premium revenue in most months. The plan maintained relatively stable membership throughout the period, with medical subscriber months averaging approximately 1,117 and medical member months averaging approximately 1,440, demonstrating consistent enrollment levels across the covered population.